What does user dependent threat blocking (the yellow bar in the chart) mean?

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That is for files that fall into a grey area, not 100% safe or might be safe but exhibit symptoms that are similar to what malware may do so the Antivirus gives you a choice whether to allow or block.

Our Whole-Product Dynamic Protection Test aims to simulate real-world conditions as experienced every
day by users. If user interactions are shown, we choose “Allow” or equivalent. If the product protects the
system anyway, we count the malware as blocked, even though we allow the program to run when the
user is asked to make a decision. If the system is compromised, we count it as user-dependent. We
consider “protection” to mean that the system is not compromised. This means that the malware is not
running (or is removed/terminated) and there are no significant/malicious system changes. An
outbound-firewall alert about a running malware process, which asks whether or not to block traffic from
the users’ workstation to the Internet, is too little, too late and not considered by us to be protection.

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Another quote from Emsisoft's site:

Emsisoft detected all threats, and thereby received a 100% detection rate. In 0.7% of the cases Emsisoft Anti-Malware displayed an alert which recommends the user to block the threat instead of automatic removal, which is why AV-C counts these as “user dependent”. See the full fact sheet

Glad to see MS has made such big strides in their AV performance. I've found MSE to be even more lightweight than Bitdefender. Too bad ESET doesn't have a free option

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Windows Defender has a major flaw in its design causing a huge performance impact where it would keep scanning all EXE files in a folder every time that folder is accessed.

for example, I have my Software folder which contains many sub folders in it, each with its custom icon and other EXE files all over. If I would open that folder when I have Windows Defender, the icons would start loading one by one in slow motion as they are being scanned.

Windows Defender has a major flaw in its design causing a huge performance impact where it would keep scanning all EXE files in a folder every time that folder is accessed.

for example, I have my Software folder which contains many sub folders in it, each with its custom icon and other EXE files all over. If I would open that folder when I have Windows Defender, the icons would start loading one by one in slow motion as they are being scanned.

Haven't had that problem
All I know is my 3dmark11 physics scores are higher with MSE than with bitdefender and that's good enough for me. I am on Win7 though, can't be convinced to use that cancer called Windows 10